Oath Planning LLC

Item 5 – Fees and Compensation

In certain circumstances, all fees, fee minimums and their applications to family circumstances may
be negotiable. Accounts for members of the same family and/or related accounts may be
aggregated and assessed fees on the total balance of all related accounts. Additionally, and on a
case-by-case basis, Oath Planning may charge its below stated advisory fee (or a negotiated fee if it
has been agreed upon with client) on client’s legacy positions or unmanaged assets when those
assets/positions are being considered within the client’s overall investment strategy.

Oath Planning has contracted with Focus Partners Advisor Solutions, LLC, for services including
trade processing, collection of management fees, record maintenance, report preparation,
marketing assistance, and research. As disclosed in Item 4 above, Oath Planning has also
contracted with Focus Partners Advisor Solutions, LLC for sub-advisory services with respect to
Clients' fixed income accounts. Oath Planning pays a fee for Focus Partners Advisor Solutions,
LLC’s services based on management fees paid to Oath Planning on accounts that use Focus
Partners Advisor Solutions, LLC. The fee paid by Oath Planning to Focus Partners Advisor Solutions,
LLC consists of a portion of the fee paid by clients to Oath Planning and varies based on the total
client assets participating in Focus Partners Advisor Solutions, LLC through Oath Planning. The
fees will equal (on an annualized basis) twenty-five basis points (0.25%) of the fair market value of
Sub-Advised Assets for each account on the last business day of the billing quarter. These fees are
not separately charged to advisory clients. As a service provider assisting with trade processing,
trade errors in client accounts may be caused by Focus Partners Advisor Solutions, LLC. According
to Focus Partners Advisor Solutions, LLC’s policies, our clients will be made whole by Focus
Partners Advisor Solutions, LLC in the event of any losses caused by Focus Partners Advisor
Solutions, LLC. In addition, Oath Planning’s policy pertaining to trade errors is to always make the
client whole.

The specific manner in which fees are charged by Oath Planning is established in a client’s written
agreement with Oath Planning. Generally, clients will be invoiced in advance at the beginning of
each calendar quarter based upon the value (market value based on independent third party
sources or fair market value in the absence of market value; client account balances on which Oath
Planning calculates fees may vary from account custodial statements based on independent asset
valuations and other accounting variances, including mechanisms for including accrued interest in
account statements), of the client's account at the end of the previous quarter. New accounts are
charged as of the 1st day of the month following the implementation of the investment strategy.

Oath Planning will request authority from the client to receive quarterly payments directly from
the client's account held by an independent custodian. Clients will be asked to provide written
limited authorization to Oath Planning or its designated service provider, Focus Partners Advisor
Solutions, LLC, to withdraw fees from the account. Certain custodians and other administrators
will calculate and debit Oath Planning's fee and remit such fee to Oath Planning. Oath Planning
will provide the client an invoice showing the amount of the fee, the value of the client's assets on
which the fee was based, and the specific manner in which the fee was calculated. Clients should

verify the accuracy of the fee calculations in such invoices. Client custodians will send at least
quarterly statements directly to the client. Custodial statements will only show the amount of the
advisory fee.
A client agreement may be canceled at any time, by either party, for any reason upon receipt of 30
days’ written notice. Upon termination of any account at any time after the required 30-day notice,
any prepaid, unearned fees will be promptly refunded. The client has the right to terminate an
agreement without penalty within five business days after entering into the agreement.

All fees paid to Oath Planning for investment advisory services are separate and distinct from the
fees and expenses charged by mutual funds to their shareholders. Oath Planning’s fees are exclusive
of brokerage commissions, transaction fees, and other related costs and expenses which shall be
incurred by the client. Clients may incur certain charges imposed by custodians, brokers, third
party investment and other third parties such as fees charged by managers, custodial fees, odd-lot
differentials, transfer taxes, wire transfer and electronic fund fees, and other fees and taxes on
brokerage accounts and securities transactions. Mutual funds and exchange traded funds also
charge internal management fees, which are disclosed in a fund’s prospectus.

These fees will generally include a management fee, other fund expenses, and a possible
distribution fee. A client could invest in mutual funds directly, without the services of Oath
Planning. In that case, the client would not receive the services provided by Oath Planning which
are designed, among other things, to assist the client in determining which mutual fund or funds are
most appropriate to each client's financial condition and objectives. Certain funds also may not be
available to the client directly. Accordingly, the client should review both the fees charged by the
funds and the fees charged by Oath Planning to fully understand the total amount of fees to be paid
by the client and to thereby evaluate the advisory services being provided.

Additional information regarding brokerage practices may be found in Item 12.

Advisory Fees

Investment Management Services

The annual fee for investment management services will be charged as a percentage of assets under
...

Item 7 – Types of Clients

Oath Planning manages investment portfolios for individuals, high net worth individuals, and

trusts.

Minimum Account Sizes

Oath Planning requires a minimum account size of $300,000. We will consider waiving the
$300,000 minimum on a case-by-case basis.

Please refer to Item 5 of this Brochure for complete fee billing details.